Mortgages

A mortgage is one of the biggest commitments of your life, it is important to take enough time to consider all the options available before committing to an application. This is where advice from an expert is essential.

A good mortgage broker will cover the costs involved in buying (solicitors, stamp duty, search fees, land registry, lender arrangement and valuation fees to name a few). They will also talk to you about the different repayment methods, look at different mortgage terms, the options as far as mortgage schemes (fixed, capped, tracker etc) and most importantly how much you can borrow and what it will cost.

Mortgage Advice now is mandatory for most parties, a Whole of Market adviser will consider options from many lenders, something your bank will never do.

Their advice will encompass the criteria of the lender to make sure that when you apply there is the best chance of the mortgage being approved.

What they will also so is minimise the time spent looking at the options being able to consider several routes for you new mortgage application at once, this also minimises the potential for several credit checks being done (something that can ruin your chances of getting a mortgage) as having recommended the best place to apply a single application is done.

The following pages will give an overview of the different aspects of a mortgage but you should contact us to discuss your individual circumstances further. Our contact details are towards the top of the page.

alternatively call us on

Beds & Bucks 01525 877650

Herts 01422 252040

Mobile 07710 770969

or email: advice@sbms-online.co.uk